Don't know why this didn't do better, Mary, although you did get a decent average from your commenters. I thought this was a lovely shot and fit the challenge quite well.
Nice textures on the water, and I think the out of focus rower works here. Didn't wow me the first time through, but bumping you up to a 6 on the second pass
The composition on this feels wierd. It is good that the subject is coming into the frame, but I would have liked to have seen a little bit more of the wake off the paddle so you could really get that sense of him/her moving. Darkening the rower would also help as well.